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Licensed Public Adjusters and Private Investigators D’Orsa and Associates licensed public adjusters; as well as licensed private investigators providing entire and comprehensive services to manage your insurance claim. Our adjusters and investigators have extensive experience and proficiency to embrace all phases of your claim from the scoping of damages to testifying in court. Should you endure damage to your home such as a burst pipe, fire or smoke damage, get in touch with our public adjusters and investigators immediately to assist with the filing your insurance claim and help to mitigate your damages efficiently. Although, the insurance company is contracted by you and assumed to work for you by reimbursing you for your loss, many insurance companies do not fully compensate policy holders for their loss. D’Orsa and Associates are public adjusters whose responsibility is to ensure you are appropriately compensated to fully recover from your damages. Our public adjusters and investigators are experienced handling all categories of losses to incorporate broken plumbing pipes, water damage and leaks, slab leaks, fire and smoke damage, hurricane and storm damage, vandalism, and more. We will professionally and forensically represent your loss to the insurance company offering the insurance companies little wiggle room to partially or totally shut down or deny your claim. A public adjuster is a significant and essential element in the insurance claims process. We work exclusively for the policyholder on a contingency basis; if you do not get paid, we do not get paid! Contact D’Orsa and Associates to review (at no charge) and possibly suggest any necessary changes to your current insurance policy to ensure you have adequate coverage. (877) 742-3587 – (877) P I ADJUSTER! https://www.fapia.net/

Another Florida hockey night! There are two splendid hockey games to watch: The Florida Everblades will play the Gwinnett Georgia Gladiators at 7:30 p.m. If you cannot make it to the game, you can listen to the Everblades game live streamed at http://theislandfm.net/. Go Blades! You can watch the University of Florida Gators beat the University of South Florida Ice Bulls on http://dspnlive.com/, live at 10:15 p.m. Louis DiPaolo and his crew present professional live video streamed coverage of the games (at a very diminutive price of $7.50). Any price is well worth the prospect to watch the GATORS ICE HOCKY TEAM, a group of fine young, debonair, bright athletes!!! https://www.facebook.com/pages/UFHockey-2014-15/755505274521852 D’Orsa and Associates Public Adjusters are big supporters of the Florida Everblades and the University of Florida Ice Hockey Gator Team! FREE HOMEOWNER INSURANCE POLICY REVIEW for all hockey team members and families. In the event you suffer water damage, fire damage, storm damage or any other damage to your home or business, contact our public adjusters at (877) 742-3587 to file your insurance claim and represent you throughout the entire insurance claims process. We work on a contingency basis.

UF Gator Ice Hockey Tonight The University of Florida Gator Ice Hockey team plays the University of Georgia Ice Dogs tonight in Jacksonville, Florida. You can watch the game steamed live at http://dspnlive.com/. The game begins at 8:00 p.m. GO GATORS!!!!!

Air Quality Index Florida is very hot today. Despite the heat the Air Quality Index is good to moderate. The Air Quality Index (AQI) is a scale utilized by state, county, and city agencies to detail the purity of the air in their respective areas. Ground level ozone is one of the major pollutants reported. All should be concerned and pay attention to the AQI, especially the elderly, sick, children and athletes who play and practice outdoors. AQI below 101 color code Green to Yellow indicates the air is acceptably clean. However, as the AQI rises to the 101-150 range, color code Orange, persons with sensitivity to air pollution may be at risk. AQI over 150 color code Red or Purple is deemed unhealthy for everyone. Preventive Measures to Practice When AQI is at Unhealthy Levels: Limit physical exercise especially during mid-afternoon and early evening when the ozone level peaks. Alter the time of day of arduous outdoor activity to avoid peak hours, or reduce the intensity of the activity. Pay attention to symptoms; be aware of respiratory distress, such as coughing, wheezing, and breathing difficulty, and decrease exposure if these occur. During physically exerting games, alternate and rest players to reduce exposure. Consider alternative activities. Persons with asthma ought to have sufficient medication convenient and follow their asthma management plans. CONSIDER INDOOR SPORTS LIKE ICE HOCKEY! LOOKING FORWARD TO A GREAT GATOR ICE HOCKEY SEASON! THESE GATORS PRACTICE DURING THE SUMMER TO BEAT THE HEAT! http://www.airnow.gov/index.cfm?action=airnow.local_state&stateid=10

The first Tropical Storm of the 2014 Atlantic Hurricane Season may affect Florida with heavy rain and wind gusts of 50 mph. Arthur is expected to tap the eastern coast of Florida tomorrow, Wednesday, July 3rd. According to weather reports, Arthur could have the potential of becoming a much stronger storm than anticipated. Arthur has a chance of strengthening to hurricane status. Warm Atlantic waters are enabling the possibility of a small viable hurricane. The good news is that Arthur may remain off the coast as the system travels from Florida up the coast to the northeastern states such as Virginia, New York and Massachusetts. However, there is a possibility of landfall around the Outer Banks on Friday near the southern coast of North Carolina. The bulk of the rain should remain off shore. Next storm advisory will be at 5:00 p.m. Pay attention to all local warnings and travel advisories, especially during this 4th of July Holiday weekend! Stay safe and be prepared. D’Orsa and Associates Public Adjuster hope all a safe 4th of July! Keep in mind, should you experience any, any storm damage contact (877) 742-3587 for assistance throughout the entire insurance claims process. FOX news Storm Information: http://www.foxnews.com/weather/index.html

Refrigerator Ice-maker Water Damage • 73% of water damages involving a refrigerator ice-maker were caused by the failure of the supply line hose. • 10% of episodes involved new refrigerators and were associated to improper installation. Loss Prevention and Maintenance Tips: • Proper installation of the ice-maker supply line hose is crucial to circumventing water damage. • Firmly connect the hose to the valve; but evade over tightening. • Inspect the hose every six months. Ensure the valve connection is secure and check for kinks. • If kinks are present, replace the hose. • Leave a 3 to 4 inch space between the back of the refrigerator and the wall to avoid the hose from crimping. • When pulling the refrigerator out for cleaning or service, keep away from getting the hose caught beneath the wheel. • Find the water shut off valve. • Inspect the valve every six months to make sure the water supply will shut off. Change the valve if required. http://www.dummies.com/how-to/content/how-to-stop-refrigerator-water-leaks.html

Roof Leakage • Roof leakage is one of the leading causes of water damage in a residence or business • The possibility of a roof leak is even more prevalent in areas where freezing weather, harsh wind or hail often occurs. Tips to Prevent Roof Leaks (Loss Prevention and Maintenance) • Have a licensed qualified roofer look over your roof annually. • Ask for an all-inclusive inspection report that contains the state of the flashing, roof covering, parapets and drainage system. • Perform repairs if there are indications of fractured or missing shingles or tiles; loose or missing granules. If the flashing is deteriorating, particularly around chimneys and vents; or if pooling water is present. • Look for plant growth as signs of sitting water and possible wear and tear. • In areas vulnerable to freezing and heavy snow, insulate to avoid the elements from entering the attic space. • In regions susceptible to wind and hail, consider an impact-resistant roof covering that has passed the FM 4473 or UL2218 standards.

Avert Washing Machine Water Damage • Apparently, ruptured water supply lines are the foremost cause for half of the washing machine water damage episodes. • The typical cost of damage is $6000.00 Tips to Avert Washing Machine Water Damage: • When not utilizing, close the water supply valves. • Replace old valves with lever-type valves that are easy to maneuver. • Do not operate the washer machine when no one is at home. • Ensure the water hose is not kinked; leave 3 to 4 inches between the machine and the wall. • Check water supply line hose every 3 months. • Ensure all water and valve connections are secure, but do not over tighten. Hand tighten first, and then utilize pliers if necessary. • Examine hose for cracks, blisters, kinks. • Change the hoses on a regular basis and consider reinforced braided stainless steel hoses. http://www.acehardware.com/family/index.jsp?categoryId=2632011

Hurricane Facts The term hurricane originates from the Taino Native American word, hurucane, implying evil spirit of the wind. The first point a person flew into a hurricane happened in 1943 in the middle of World War II. A tropical storm is classified as a hurricane once winds reach 74 miles per hour or higher. Hurricanes are the only weather disasters that have been given their own names. All hurricanes begin existence in a warm moist atmosphere above tropical ocean waters. A conventional hurricane can deposit 6 inches to a foot of rain across a region. The most vicious winds and extreme rains occur in the eye wall, the ring of clouds and thunderstorms closely surrounding the eye. Every second, a large hurricane discharges the energy of 10 atomic bombs.

Hot Water Heater Leaks Floridians! How is your hot water heater working now? Now, that the temperature is down to the 30, 40 and 50 degree Fahrenheit. During the warmer climate Floridians do not use as much hot water or they have the temperature of the hot water heater set at a high temperature. One can always adjust or increase the temperature of the hot water heater during these cooler days or purchase a blanket for the hot water heater (especially if the hot water heater is located in the garage). Locate your hot water heater and inspect the tank, pipes and fittings for wear and tear or rust. Hot water heater leaks or bursts are one of the primary causes of water damage in a home. Insurance companies might not cover ensuing damages if the hot water heater was not properly maintained. Most hot water heater tanks display lifetime expectancy. Check the condition of your hot water heater before an accident occurs. Should you suffer water damage due to a leaky or burst hot water heater, contact D’Orsa and Associates Public Adjusters at (877) 742-3587. http://www.consumerreports.org/cro/appliances/heating-cooling-and-air/water-heaters/tankless-water-heaters/overview/tankless-water-heaters-ov.htm

Christmas Tree Safety Hello Florida residents! D’Orsa and Associates Public Adjusters wish everyone a joyous and safe Merry Christmas and Holiday Season! Purchasing and decorating a live Christmas tree is celebrated holiday tradition. However, caring for and maintaining your adored Christmas tree is just as important. Many tragedies transpire in the United States every year due to Christmas tree fires. Our Public Adjusters want you to have a wonderful and SAFE Christmas. Here is some guidance to ensure you enjoy a safe and merry holiday season! o One of the most crucial guidelines is to prevent your real Christmas tree from drying out. Dry trees are at an increased risk to catch fire than a well watered tree. o Do not purchase a dry or dying Christmas tree. If the tree is brown or is losing a several needles, than the tree is most likely already dry. Dry trees are dangerous trees! o Keep your Christmas tree clear of all exists, doorways or corridors. o Position, arrange and decorate your tree at least three feet from fireplaces, furnaces, radiators and other supplies of heat. o Place your Christmas tree in a secure stand; be sure your tree stands erect and that it does not wobble. o Dispose of your tree promptly after Christmas. o Depending on your local typical weather, a well-watered tree may endure 6 to 8 weeks, after which it will quickly dehydrate. While the Christmas tree in the picture is gorgeous, festive, and warm; being set so close to the fireplace is a hazard. Again, enjoy a safe and glorious Christmas, New Year and Holiday Season!

University of Florida Gators Ice Hockey Gator Fans, don’t forget to tune into our live broadcast for our last home game of the semester vs. the University of Tampa Spartans! Louis DiPaolo and Bill Shafer will begin introducing both teams at 10:00 PM and the puck drops at 10:15 PM. Players will be interviewed in between periods and after the game. Friends and family members can call in to give a shoutout to their favorite Gator Hockey player. For those who are unable to make it to the game at RDV in Orlando, the broadcast is FREE and you can watch the boys play their home games on any computer or mobile device! Don’t miss the action, log onto www.DSPNLive.com and the game will be right on the home page. Thank you fans and Go Gators!

Food Insurance – Public Adjuster Florida Following Hurricane Sandy in the northern United States and the more current devastating Typhoon Haiyan in the Philippines, communities were without food. Florida ought to take note of and learn from these vital reminders to prepare in advance of the hurricane season, as well as preparing for other prospective disasters. Emergency food insurance is becoming an essential. You may acquire food insurance from several places. Below are two potential suppliers of food insurance: http://www.foodinsurance.com/ http://www.samsclub.com/sams/augason-farms-emergency-food-storage-kit-1-year-1-person/prod1620354.ip

D’Orsa and Associates Public Adjusters proudly sponsor the Florida Everblades. The Everblades will play their season home opening game tonight at 7:30 p.m. against the Orlando Solar Bears. Germain Arena, be there to support your Florida Ice Hockey Teams!

Teen Party Damage! Are You Covered? I remember when my parents would go up to their friend’s summer home in New Hampshire. Once we knew they were at Lake Winnipesaukee safe and sound…the party began! Party at our house! No Face Book back then. No Twitter. No texting multi messages. Just the old fashion telephone hard line in the house with no call waiting. Oh, the message spread through the town, but we lived in a small town right down the street from the police station. Somehow the police knew. The parties were great fun and never seemed to get out of hand. Nowadays, with the social media, the invites stretch much faster and further! Parties can quickly take a turn for the worst and become out of control. So, what do Mom and Dad face when they arrive back home after their weekend getaway? A home destroyed, ransacked and vandalized by hundreds of drunk and wild teens. Mom and Dad, if you have adequate homeowner’s coverage your policy should cover the damages. Of course, your teens may need an after school job to help pay for the deductable. Turn to D’Orsa and Associates to help you file the vandalism insurance claim. We understand, after all…We were once teenagers, too!! Check out the news articles below. Hopefully, you will never have to contend with the damage these parents experienced. http://video.foxnews.com/v/929716422001/teen-party-crashers-destroy-house/ http://abcnews.go.com/TheLaw/Technology/teen-party-crashers-arrested-destroying-house/story?id=10240377

So you have damage to your home from a burst plumbing pipe, or a broken refrigerator or dishwasher line. Who do you call first? Normally, the policy holder will contact their insurance agent or broker. The broker’s skill is in the marketing of insurance policies; they do not have the knowledge or the responsibility to provide adjusting services. Insurance sales agents cannot help you in the event of a loss or claim. The insurance agent simply refers the policy holder to contact the 1-800 insurance claims number. Usually they suggest the policy holder hire one of the insurance agent’s preferred remediation and mitigation companies which ends up creating a whole other set of problems for the insured. Many agents are rewarded with a profit/loss ratio bonus if their claims are kept less than a certain percentage; which obviously creates a conflict of interest. The further the insurance agent or broker helps you, the more they may hurt themselves. However, there exist insurance agents or brokers who are compassionate; who are aware of Public Adjuster’s professionalism and expertise; that have the interest of the insured at heart, and will not discourage you from employing our services. In fact, they frequently highly recommend us, as they, themselves, have employed Public Adjusters after being a victim of a loss. Beware of anyone who advises you not to seek assistance of a Public Adjuster who works exclusively for you and your benefit. Contact D’Orsa and Associates Public Adjusters no matter how insignificant your loss may seem. Allow our Public Adjusters to review your situation and provide you with the most viable options on how to proceed with your insurance claim.

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